About Debit Card EMI

Offer Debit Card EMIs to your customers at Razorpay Checkout. Check the payment flow and supported Banks.

EMI is a popular payment method that customers prefer to reduce upfront payments for products. Using Razorpay, you can let your customers use Debit EMI as a payment method to buy various products on EMI using their Debit Cards without paying the entire amount immediately. We support EMIs on debit cards issued by

. EMI is available by default on Razorpay Standard Checkout. No additional integration is needed.

We offer EMI plans across banks and partners so that your customers can avail of these plans and pay at their convenience.

Customers select the products on your website or app and proceed to Checkout. On the Checkout page, the customers:

  1. Enter the Phone Number and click Proceed.

  2. Select EMI as the payment method and click Pay Now.

    Select EMI as the payment method
  3. Enter the OTP sent to their mobile number if they want to use their saved cards and click Verify.

  4. Select Debit Card and click Continue.

    Select debit card payment option on checkout
  5. Choose a bank from the list and select the EMI tenure. Click Select EMI Plan.

    EMI tenure and click Select Plan
  6. They enter the relevant card details and click Pay via EMI. If the customers are not eligible, they can pay the full amount.

    Pay via EMI
  7. Choose if they want to Pay and Save Card or Pay without Saving Card.

    Choose to save card or skip it

After the successful payment, Razorpay redirects customers to your application or website. Customers' monthly statements will reflect the EMI amount with interest charged by the bank.

Watch Out!

Instant Refunds are not supported on EMI, Cardless EMI and Pay Later.

Given below is a list of banks that support Debit Card EMIs.

Bank CodeIssuer Bank
INDBIndusInd Bank
KKBKKotak Mahindra Bank

Handy Tips

Refer to the FAQs to know the standard debit card interest rates charged by the


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